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class=\"red\">风险提示</h4>\r\n<p><b>犹豫期：</b>自签收保单之日起，您有15天的犹豫期，如犹豫期内退保，保险公司将退还您所缴全部保费。但超过犹豫期退保，可能会造成您的资金损失，请您重点关注。</p>\r\n<p>\r\n<b>等待期：</b>本合同生效或最后一次复效之日起180日内（含第180日）称为等待期。等待期内，被保险人发生下列情形之一时，本公司不承担给付保险金和豁免保险费的责任：</p>\r\n<p class=\"textIndent2\">(一)等待期内被保险人因意外伤害以外的原因，由本公司指定或认可的医院的专科医生确诊初次患本合同所列的重大疾病、中症疾病、轻症疾病、特定疾病的一种或多种，本公司不承担保险责任，并无息退还本合同的已交保险费，同时本合同终止；</p>\r\n<p class=\"textIndent2\">(二)等待期内被保险人因意外伤害以外的原因已经发生疾病、症状或病理改变且延续到等待期以后，由本公司指定或认可的医院的专科医生确诊患本合同所列的重大疾病、中症疾病、轻症疾病、特定疾病的一种或多种，本公司不承担保险责任，并无息退还本合同的已交保险费，同时本合同终止。</p>\r\n<p class=\"textIndent2\">因意外伤害导致发生上述情形的无等待期。\r\n</p>\r\n<p>\r\n<b>医院：</b>指本公司指定医院或国家卫生管理部门医院等级分类中的二级或二级以上的医院，但不包括主要作为康复、护理、疗养、戒酒、戒毒或相类似的医疗机构。\r\n</p>","notifyAtta":"https://testimg.kunlunhealth.com.cn/3c0f680e20e751f6eda712801a68ff54.docx","healthNotify":"<p>\r\n\t001、您的孩子近二年内是否住院检查或治疗（包括入住疗养院、康复医院等医疗机构）(因肺炎、急性呼吸道感染、鼻炎、急性胃肠炎、上消化道出血阑尾炎、脂肪瘤、四肢/肋骨骨折、生理性黄疸已痊愈的属于例外情况，仍可投保。)？\r\n</p>\r\n<p>\r\n\t002、您的孩子是否正在等候身体检查结果，或一年内是否有体检或医院门诊检查异常并被医生要求进一步治疗、检查或复查随访？是否出现过反复头痛或眩晕、晕厥、咯血、胸痛、呼吸困难、呕血、黄疸（除已痊愈的生理性黄疸或新生兒黃疸）、便血、听力下降、耳鸣、视力明显下降等；原因不明的皮肤或黏膜或齿龈出血、发热、体重下降（超过2公斤）、肌肉萎缩、包块或肿物、结节，身体的其他感觉异常或活动障碍？\r\n</p>\r\n<p>\r\n\t003、您的孩子是否有是否曾患有精神疾患、智能障碍、癫痫；恶性肿瘤；心脏病（包括先天性心脏病、风湿性心脏病、肺源性心脏病、心肌病、心脏扩大、心包疾病、心力衰竭）、高血压；脑血管病；肾脏疾病（包括慢性肾炎、肾病综合症、肾功能异常、肾功能衰竭、多囊肾）；泌尿生殖系统疾病；呼吸衰竭；慢性酒精中毒；肝病（包括肝硬化、慢性肝炎、肝炎病毒携带）；消化系统疾病 （包括慢性或溃疡性结肠炎、克隆病）；糖尿病；血液疾病；瘫痪、严重残疾（包括失明、一肢及一肢以上断离、失聪）、骨骼肌肉组织的疾病；鼻喉疾病（不包括普通感冒或上呼吸道感染）；艾滋病及HIV呈阳性者；接受器官移植；出生畸形、发育迟缓、惊厥、抽搐、脑瘫、智能障碍、先天性和遗传性疾病？\r\n</p>\r\n<p>\r\n\t004、您的孩子是否曾经使用任何成瘾药物？\r\n</p>\r\n<p>\r\n\t005、二周岁以下（含二周岁）：您的孩子是否有早产、难产？出生体重是否低于2公斤?出生时是否曾有产伤、窒息等异常情况？\r\n</p>\r\n<p>\r\n\t006、您的孩子是否在投保其他保险公司重大疾病保险产品或保单复效时,被拒保、延期、附加条件或加费承保、或已提出或已经得到理赔？\r\n</p>","questVersion":"09201912","notifyJob":"","minAmount":1344,"maxAmount":0,"perAmount":0,"minNum":1,"maxNum":0,"buyNum":4,"expectedRate":"0.00","currentRate":0,"clause":"<h4>《免除保险人责任确认书》</h4>\r\n<p class=\"fontWeight600\">尊敬的客户，您好！</p>\r\n<p>\r\n感谢您选择昆仑健康保险股份有限公司(以下简称“本公司”)的《健康保重大疾病保险（少儿版）》产品，这是对本公司的充分信任和支持。本产品由《健康保重大疾病保险（少儿版）》及《健康保豁免保险费重大疾病保险》组合而成。为了让您更充分的了解条款内容，保障您的合法权益，本公司在产品条款中已对免除保险责任的内容通过加黑以及标注灰色底纹的方式做了突出显示，请您仔细查阅，并请您重点关注各产品条款相关免责内容，具体内容如下：\r\n</p>\r\n<p class=\"docContent_title\">健康保重大疾病保险（少儿版）</p>\r\n<p><b>第九条 责任免除：</b></p>\r\n<p class=\"textIndent2\"><b>因下述一种或多种情形导致被保险人患本合同所列的重大疾病、中症疾病、轻症疾病、特定疾病的，本公司不承担给付保险金和豁免保险费的责任：</b></p>\r\n<p class=\"textIndent2\"><b>（一）投保人对被保险人的故意杀害、故意伤害；</b></p>\r\n<p class=\"textIndent2\"><b>（二）被保险人故意犯罪或者抗拒依法采取的刑事强制措施；</b></p>\r\n<p class=\"textIndent2\"><b>（三）被保险人自本合同生效日或者最后复效日（以较迟者为准）起2年内自杀，但被保险人自杀时为无民事行为能力人的除外；</p>\r\n<p class=\"textIndent2\"><b>（四）被保险人醉酒，斗殴，故意自伤，服用、吸食或注射毒品；</b></p>\r\n<p class=\"textIndent2\"><b>（五）被保险人酒后驾驶，无合法有效驾驶证驾驶，或驾驶无有效行驶证的机动车；</b></p>\r\n<p class=\"textIndent2\"><b>（六）被保险人患先天性疾病、先天性畸形、遗传性疾病（但符合本合同“附表一：重大疾病列表”“附表二：中症疾病列表”“附表三：轻症疾病列表”“附表四：特定疾病列表”中疾病定义的除外）；</p>\r\n<p class=\"textIndent2\"><b>（七）被保险人患艾滋病或感染艾滋病病毒（但符合本合同“附表一：重大疾病列表”中疾病定义的除外）；</b></p>\r\n<p class=\"textIndent2\"><b>（八）战争、军事冲突、暴乱或武装叛乱；</b></p>\r\n<p class=\"textIndent2\"><b>（九）核爆炸、核辐射或核污染。</b></p>\r\n<p class=\"textIndent2\"><b>被保险人因上述第（一）项情形患本合同所列的重大疾病、中症疾病、轻症疾病、特定疾病的，本公司向被保险人退还本合同的现金价值，本合同终止。</b></p>\r\n<p class=\"textIndent2\"><b>被保险人因上述其他情形患本合同所列的重大疾病、中症疾病、轻症疾病、特定疾病的，本公司向投保人退还本合同的现金价值，本合同终止。</b></p>\r\n<p>第十条 其他免责条款</p>\r\n<p class=\"textIndent2\">除以上“第九条 责任免除”外，本合同中还有其他免除本公司责任的条款，详见本合同“第三条 犹豫期”“第四条 明确说明与如实告知”“第七条 等待期”“第八条 保险责任”“第十三条 宽限期”“第十八条 年龄性别错误”“第二十条 合同中止与复效”“第二十一条 合同解除”“第二十二条 保险事故通知”“第二十三条 保险金及豁免保险费申请”“第二十八条 释义”“附表一：重大疾病列表”“附表二：中症疾病列表”“附表三：轻症疾病列表”“附表四：特定疾病列表”中背景突出显示的内容。\r\n</b></p>\r\n<p class=\"docContent_title\">健康保豁免保险费重大疾病保险</p>\r\n<p><b>第八条 责任免除</b></p>\r\n<p class=\"textIndent2\"><b>因下述一种或多种情形导致被保险人身故、全残、进入疾病终末期阶段或患本合同约定的疾病（无论一种或多种）的，本公司不承担豁免保险费的责任：</b></p>\r\n<p class=\"textIndent2\"><b>（一）被保险人故意犯罪或者抗拒依法采取的刑事强制措施；</b></p>\r\n<p class=\"textIndent2\"><b>（二）被保险人自本合同生效日或者最后复效日（以较迟者为准）之日起2年内自杀，但被保险人自杀时为无民事行为能力人的除外；</b></p>\r\n<p class=\"textIndent2\"><b>（三）被保险人醉酒，斗殴，故意自伤，服用、吸食或注射毒品；</p>\r\n<p class=\"textIndent2\"><b>（四）被保险人酒后驾驶，无合法有效驾驶证驾驶，或驾驶无有效行驶证的机动车； </b></p>\r\n<p class=\"textIndent2\"><b>（五）被保险人患先天性疾病、先天性畸形、遗传性疾病（但符合本合同“附表一：重大疾病列表”“附表二：中症疾病列表”“附表三：轻症疾病列表”中疾病定义的除外）；</b></p>\r\n<p class=\"textIndent2\"><b>（六）被保险人患艾滋病或感染艾滋病病毒（但符合本合同“附表一：重大疾病列表”中疾病定义的除外）；</p>\r\n<p class=\"textIndent2\"><b>（七）战争、军事冲突、暴乱或武装叛乱； </b></p>\r\n<p class=\"textIndent2\"><b>（八）核爆炸、核辐射或核污染。</b></p>\r\n<p class=\"textIndent2\"><b>被保险人因上述情形全残、进入疾病终末期阶段或患本合同约定的疾病（无论一种或多种）的，本公司向投保人退还本合同的现金价值，本合同终止；被保险人因上述项情形身故的，本公司向被保险人的继承人退还本合同的现金价值，本合同终止。</b></p>\r\n<p><b>第九条 其他免责条款</b></p>\r\n<p class=\"textIndent2\">除以上“第八条 责任免除”外，本合同中还有其他免除本公司责任的条款，详见本合同“第二条 合同成立与生效”“第三条 犹豫期”“第四条 明确说明与如实告知”“第十二条 宽限期”“第十六条 年龄性别错误”“第十八条 合同中止与复效”“第十九条 合同解除”“第二十条 保险事故通知”“第二十一条 豁免保险费申请”“第二十六条 释义”“附表一：重大疾病列表”“附表二：中症疾病列表”“附表三：轻症疾病列表”中背景突出显示的内容。 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